Paid advertisement
Smart Money People Logo
Newsletter
Go to business site
Share this page
Link copied

PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 171,506 reviews, last reviewed 8th Jul 2026
1427% increase in 5 star reviews
in the past 90 days
1438% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

PayPal is a easy and safest way to pay. PayPal is a easy and safest way to pay. Reviewed on: 8th July 2026
rahman a's avatar
rahman a

Latest lowest rating:

1

Was charged £12. Vague reason Was charged £12.00 and the explanation was vague. Have never used PayPal as much as I should and am very careful to not get charged anything. This is ... Read more Reviewed on: 8th July 2026
Sg's avatar
Sg
Read all reviews Write a review

About this product

PayPal Credit is a reusable digital credit line that can be added to your PayPal wallet and used for eligible online purchases.

Accepted at thousands of online retailers that offer PayPal at checkout, PayPal Credit is a flexible way to pay. Eligible purchases get PayPal’s encryption and 24/7 fraud monitoring, as well as Buyer Protection.

PayPal reviews help you find out what it’s really like to be a customer. If you’ve used PayPal before, you can also leave a review and share your experience.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

PayPal PayPal Credit reviews (171790)

PayPal Credit is pretty handy when you want a bit of...

5
PayPal Credit is pretty handy when you want a bit of breathing room on a purchase without juggling another card. The application and checkout process are usually straightforward, though it’s worth keeping an eye on payment dates and interest so it doesn’t sneak up on you. Overall, it’s a convenient option if you use it sensibly and pay it off on time. Reviewed on: 31st May 2026
Zole's avatar
Zole

It's been amazing, the app is easy to navigate and i...

5
It's been amazing, the app is easy to navigate and its carries you along on your spending. Reviewed on: 31st May 2026
Oyenike f's avatar
Oyenike f

Excellent Service and Outstanding Customer Support

5
I’ve been using PayPal Credit for many of my purchases for quite some time now, and I genuinely couldn’t be happier with the service. The application process was straightforward, the account management is easy to use, and having the flexibility to spread the cost of larger purchases has been incredibly helpful. What really sets PayPal Credit apart, however, is the customer service. On the occasions I’ve needed support, the team has been professional, friendly, knowledgeable, and genuinely committed to helping. Every query has been handled quickly and efficiently, giving me complete confidence in using the service. The combination of convenience, flexibility, security, and outstanding customer support makes PayPal Credit one of the best financial services I’ve used. I would highly recommend it to anyone looking for a reliable and customer-focused credit provider. Reviewed on: 31st May 2026
Mimi's avatar
Mimi

PayPal makes everything easier literally

5
PayPal makes everything easier literally Reviewed on: 31st May 2026
Thomas O's avatar
Thomas O

Really helped in a time where it was truly needed.

5
Really helped in a time where it was truly needed. Reviewed on: 31st May 2026
Vole Walays's avatar
Vole Walays

I feel very confident making purchases through paypa...

5
I feel very confident making purchases through paypal and have had very good experiences getting help on receiving refunds on purchases Reviewed on: 31st May 2026
Sarah Oxfordshire's avatar
Sarah Oxfordshire

It was straightforward to get the card and easy to m...

5
It was straightforward to get the card and easy to manage it on the app. Reviewed on: 31st May 2026
Anonymous's avatar
Anonymous

Pay in 3

5
Simple and fast service to use. Instant decision. Reviewed on: 31st May 2026
Michelle T's avatar
Michelle T

I’ve had several conversations with PayPal staff who...

5
I’ve had several conversations with PayPal staff whom have sorted my issues immediately and I’m very grateful Reviewed on: 31st May 2026
joanne w's avatar
joanne w

Easy to navigate site,easy to pay

5
Easy to navigate site,easy to pay Reviewed on: 31st May 2026
LD's avatar
LD

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Want to see more from PayPal?

  • Pay in 3

    from PayPal 4.76 from 94652 reviews
    PayPal

  • Payments

    from PayPal 4.70 from 3835 reviews
    PayPal

  • Credit card

    from PayPal 4.70 from 119 reviews
    PayPal
    View all products

    Join Smart Money People

    Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

    Create an account
    Man on beach

    News, guides and insight from our team

    View resource hub
    UK money news stories - 24 July 2024
    UK money news stories - 24 July 2024
    24th July 2024
    Posted in Money Talks by Errolyn Smith
    Your Money, Your Voice: Have your say
    Your Money, Your Voice: Have your say
    24th July 2024
    Posted in Our insights by Errolyn Smith
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    24th July 2024
    Posted in Our insights by Darryl Barkwill
    Consumer credit awards winners 2024
    Consumer credit awards winners 2024
    11th July 2024
    Posted in Awards by Darryl Barkwill